Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the North Carolina before hiring.
Showing 3 mortgage lenders in Locust, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
loanDepot
150 Ray Kennedy Dr Suite 132, Locust, NC 28097
7048597110
HD Mortgage Solutions
150 Ray Kennedy Dr, Locust, NC 28097
3014717248
The Mortgage Next Step-Loan Depot
150 Ray Kennedy Dr, Locust, NC 28097
8654039744
What Does a Mortgage Lender in Locust Cost?
Typical costs for a mortgage lender in North Carolina include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title search fees of $200 to $400. Closing costs usually range from 2% to 5% of the purchase price. These costs vary based on loan type, property value, and lender policies. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Locust?
You will need proof of income, tax returns, bank statements, and identification. Lenders also check your credit score and debt-to-income ratio. North Carolina requires a property appraisal before loan approval.
How long does it take to close on a mortgage in North Carolina?
The typical closing process takes 30 to 45 days. North Carolina law requires a three-day right of rescission for refinances. Delays can happen if documents are incomplete or if the appraisal takes longer.